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Terms & Conditions

These Terms govern your relationship with the operator of the website psk-uk.com and the associated Psk gaming interface (the "Website" and "Service"). These Terms are effective from 1 January 2026 and were last updated on 6 November 2025.

The Service is operated by Hattrick-PSK d.o.o., a Croatian limited liability company (d.o.o.) with its registered office at Sv. Leopolda Mandića 14, Dugopolje, Croatia ("we", "us", the "Operator"). Hattrick-PSK d.o.o. is part of the Fortuna Entertainment Group.

Hattrick-PSK d.o.o. holds an online gambling licence issued in the Republic of Croatia by the Ministry of Finance / Porezna uprava (Croatian Tax Administration) under licence reference UP/I-461-04/20-02/406, registry number 513-07-21-01-21-5, authorising the organisation of online games of chance within Croatia. The Operator does not hold any gambling licence issued by the UK Gambling Commission ("UKGC") and is not registered with the UK self-exclusion scheme GamStop and not covered by UK alternative dispute resolution ("ADR") bodies such as IBAS.

Accessing or using Psk via psk-uk.com from the United Kingdom places you in a grey-market position, meaning that you do not benefit from the UKGC regulatory framework, IBAS dispute mechanisms or UK-specific consumer protections that apply to UK-licensed operators. By creating an account or using the Service, you confirm that you have read and understood these Terms and that you accept this regulatory position.

These Terms form a legally binding agreement between you and the Operator and govern your use of betting, gaming and related services offered through Psk on psk-uk.com. If you do not agree with these Terms, you must not register, access or use the Service.

Definitions

Observe: This section explains key legal and technical terms used in these Terms so you understand your rights and obligations.

  • Operator means Hattrick-PSK d.o.o., Sv. Leopolda Mandića 14, Dugopolje, Croatia, operating the Psk Service via psk-uk.com.
  • Website means the domain psk-uk.com and any sub-pages through which Psk is made available.
  • Psk means the localized online betting and gaming interface and related services accessible via psk-uk.com.
  • User or Player means any natural person who registers an account or uses the Service.
  • Account means a registered player account created by you and maintained by the Operator for the purpose of accessing the Service.
  • Bet means any wager, stake or other risk taken by you on the outcome of an event or game offered on the Service.
  • Wager means the monetary amount you stake on a Bet, including amounts derived from bonuses where applicable.
  • Bonus means any promotional credit, free spins, free bets, cashback or similar benefit granted by the Operator subject to specific conditions.
  • Real Money Balance means funds deposited by you and any winnings derived from those funds that are not subject to wagering requirements.
  • Bonus Balance means funds, free bet value or winnings that are subject to additional wagering or other conditions before withdrawal.
  • KYC means "Know Your Customer" identity, age and verification checks carried out for legal and regulatory purposes, including anti-money laundering ("AML") and counter-terrorist financing ("CTF").
  • Games means casino games, slots, live casino, and any other games of chance or betting products offered via the Service.
  • Force Majeure Event means any event beyond the reasonable control of the Operator, including but not limited to network failures, system outages, regulatory changes, or acts of God.

Account Registration

Observe: This section explains who may open an Account and how identity and age verification are conducted.

Eligibility and Age Requirements

  • 18+ only: You must be at least 18 years old to open an Account or use the Service. We may request proof of age at any time and may suspend or close your Account if adequate proof is not provided.
  • Legality of use: It is your responsibility to ensure that online betting and gaming are legal in your jurisdiction before opening an Account. The Operator does not hold a UKGC licence, and use of the Service from the United Kingdom may be unlawful under UK law. You must not use the Service if such use is illegal where you are located.
  • Single Account: You may hold only one active Account with the Operator for Psk. Duplicate Accounts may be closed, and balances may be handled in accordance with these Terms.

Registration Process

  • Providing information: When registering, you must supply accurate, complete and up-to-date information (such as name, date of birth, address, email and any other requested details). You warrant that the information you provide is truthful and that you are registering on your own behalf.
  • Email verification: We may require you to verify your email address (for example, by clicking a verification link). Until verification is completed, your access to some or all features may be restricted.
  • Location checks: We may use technical measures (such as IP checks or geolocation tools) to identify your location. If we reasonably believe that you are in a prohibited jurisdiction, we may block or restrict your access.

KYC and Verification

  • Verification documents: We may at any time request identification and verification documents, including but not limited to copies of your passport or ID card, proof of address, payment method ownership evidence, and, where required, source-of-funds documentation.
  • AML/CTF compliance: Verification is conducted to comply with Croatian AML/CTF laws and applicable EU/UK standards. Failure to provide requested information may result in Account suspension, restrictions on deposits/withdrawals or Account closure.
  • Timing: We may, in particular, require successful completion of KYC before allowing withdrawals or certain levels of deposits. Verification may take several business days from the time we receive complete documentation.

Account Security and Obligations

  • Login credentials: You are responsible for maintaining the confidentiality of your username and password and for restricting access to your devices. Any Bet placed via your Account credentials will be treated as placed by you.
  • Unauthorised access: If you suspect that a third party has gained access to your Account, you must notify us immediately and change your password. We may temporarily suspend the Account while we investigate.
  • Updates: You must keep your registration details up to date. Changes (such as new address or email) must be notified via the Website or by contacting support.

Betting & Gameplay Rules

Observe: This section sets out how Bets are placed, accepted, settled and how you must behave when using Games, live casino and any chat features.

Placing and Accepting Bets

  • Bet offer and acceptance: A Bet is offered when it appears on the Website with odds or game rules displayed. A Bet is accepted only once our server confirms acceptance and the Bet appears in your betting history or game log.
  • Minimum and maximum stakes: Each Game or market may have minimum and maximum stake limits, which are displayed on the Website or within the Game interface. We may adjust these limits at any time.
  • Game rules: Specific rules for Games (e.g., slot paytables, live casino rules, sports betting settlement rules) form part of these Terms. In the event of conflict, the specific Game rules prevail for that Game.
  • Time of placement: Bets must be placed before the relevant event or game round closes. Bets placed or received after the applicable deadline may be voided.

Cancellation, Errors and Malfunctions

  • Player cancellations: Once a Bet has been accepted by our systems, you cannot cancel or amend it unless the relevant Game explicitly permits such action.
  • Obvious errors: If a Bet is accepted at clearly incorrect odds, prices or terms (a "palpable error"), or if a Game has a manifest technical malfunction, we may declare the Bet void and refund the stake to your Real Money Balance.
  • System failures: In the case of system or communication failures, including but not limited to server crashes, network interruptions or Game malfunctions, we will, where feasible, restore the Game state to the last known correct position. If this is not possible, we may void affected Bets and refund stakes.
  • Third-party providers: Many Games are provided by third-party software suppliers. Their rules, random number generators and settlement decisions may be final and binding, subject to these Terms and applicable law.

Conduct in Live Casino and Chats

  • Respectful behaviour: You must behave respectfully towards dealers, staff and other players. Abusive, discriminatory, threatening, obscene or harassing conduct is strictly prohibited.
  • No collusion or cheating: You must not collude with other players, use bots or automated tools, exploit vulnerabilities, or otherwise attempt to manipulate Games or outcomes.
  • No promotion or solicitation: Using chat or any interactive feature to promote other services, share personal contact details, or solicit funds is prohibited.
  • Monitoring: Chats and live interactions may be monitored and recorded. We may mute, suspend or close Accounts for violations and may withhold funds where serious breaches or fraud are identified.

Responsible Gambling

  • Play responsibly: Gambling involves financial risk and may cause harm if not controlled. You should never gamble more than you can afford to lose and should regularly monitor your activity.
  • Tools and limits: Where available on psk-uk.com, you may set deposit limits, loss limits or time-based limits. Changes to limits may take effect immediately or after a cooling-off period, as indicated on the Website.
  • Self-exclusion: You may request a self-exclusion directly with the Operator. Any such self-exclusion applies only to your Account with the Operator and does not extend to other operators. The Operator is not part of the UK GamStop scheme.
  • External support: If you believe you may have a gambling problem, you should seek help from independent organisations such as BeGambleAware or similar services.

Bonus Terms

Observe: This section explains how Bonuses are credited, used and cleared, and which restrictions apply.

Bonus Eligibility and Activation

  • Promotional offers: From time to time, we may offer welcome bonuses, reload bonuses, free spins, free bets or other promotions. Each promotion is governed by specific terms published on the Website, which form part of these Terms.
  • Eligibility: Eligibility criteria (such as minimum deposit amounts, promo codes, time limits or country restrictions) will be specified for each promotion. We may exclude certain users at our discretion, for example, in case of prior bonus abuse.
  • Activation: A Bonus may be activated automatically upon qualifying deposit or action, or may require manual opt-in. The method and timeframe for activation will be described in the relevant offer.

Wagering Requirements and Timeframes

  • Wagering: Bonuses and winnings from Bonuses are usually subject to wagering requirements (e.g., a multiple of the Bonus amount, deposit plus Bonus, or winnings). The precise requirement will be stated in each promotion.
  • Contribution of Games: Different Games may contribute differently towards wagering (for example, slots may contribute 100%, table games a lower percentage, and some Games may be excluded). Contribution rules will be specified on the Website.
  • Time limits: Bonuses and associated wagering requirements must typically be completed within a specified period (for example, 7, 14 or 30 days from grant). Any remaining Bonus or unfulfilled wagering after the deadline may be forfeited.

Prohibited Actions and Bonus Abuse

  • Prohibited play: We may designate certain bets, stakes, strategies or Games as prohibited when using Bonus funds (for example, very low-risk bets, equal covering bets, or systematically placing high-stakes bets to exploit Bonuses). Such prohibitions will be outlined in the promotional terms.
  • Abuse and fraud: Bonus abuse includes, without limitation, creating multiple Accounts, colluding with other players, or using arbitrage strategies to guarantee profit from Bonuses. We may withhold or reclaim Bonuses and winnings and close Accounts where we reasonably suspect abuse.
  • Right to amend: We may cancel or amend a Bonus if it has been granted or advertised in error, subject always to applicable law and fairness requirements.

Combining Promotions

  • No automatic combination: Unless explicitly stated, Bonuses and promotions cannot be combined. Only one active Bonus may apply to your Account at any given time in respect of the same deposit or activity.
  • Priority of offers: Where multiple promotions could apply, we will apply them in the order communicated in the promotional terms or, if not specified, in an order determined at our reasonable discretion.
  • Opt-out: You may decline participation in a Bonus or request removal of an active Bonus (subject to forfeiture of the Bonus and associated winnings) by contacting customer support.

Payments & Withdrawals

Observe: This section describes how you can deposit and withdraw funds, applicable limits, fees and conditions for refunds.

Deposit Methods and Limits

  • Available methods: Subject to your location and our payment partners, you may be able to deposit funds using debit cards, e-wallets, bank transfers and, where expressly indicated, approved crypto-assets. Some methods may not be available to Users located in the United Kingdom.
  • Currency: Deposits are accepted in the currency or currencies specified on the Website. If your payment method is in a different currency, your bank or payment provider may apply exchange rates and fees.
  • Limits and fees: Minimum and maximum deposit limits, along with any fees that may apply, will be displayed on the Website or during the deposit process. We may change limits and eligible methods at any time.
  • Credit cards and UK rules: Some card issuers and payment providers may restrict or block gambling-related payments, particularly for Users located in the UK. Such decisions are outside our control and are not our responsibility.

Withdrawals

  • Verification: We may require full KYC verification before processing withdrawals. Until verification is satisfactorily completed, withdrawals may be delayed or declined.
  • Method of withdrawal: Where possible, withdrawals will be made via the same method used for deposit, otherwise via an alternative method chosen at our discretion and permitted by our policies.
  • Processing times: We aim to process withdrawal requests within a reasonable period (for example, 24 - 72 hours on business days) after approval. Actual receipt of funds may depend on your bank or payment provider and may take additional days.
  • Limits and fees: We may apply minimum and maximum withdrawal amounts per transaction or per period. Any applicable fees will be disclosed before you confirm your withdrawal request.

Refunds, Reversals and Chargebacks

  • Refunds: Deposits will generally not be refunded once used for Bets or Games. In exceptional circumstances, and at our discretion, we may issue a refund to the original payment method, subject to AML/CTF checks.
  • Chargebacks: If you initiate a chargeback or otherwise reverse a payment, we may suspend or close your Account and may recover any costs, fees or losses incurred as a result.
  • Cancelled Bets or events: Where a Bet is voided or an event is cancelled in accordance with the applicable rules, we will normally refund the stake to your Real Money Balance or settle the Bet in accordance with the relevant Game rules.

Inactive and Closed Accounts

  • Inactive Accounts: If your Account remains inactive for an extended period, we may classify it as dormant in accordance with our policies and applicable law. Any applicable fees or procedures for dormant Accounts will be disclosed on the Website.
  • Balance on closure: When your Account is closed (by you or by us), we will, where legally and practically possible, return your Real Money Balance to you, subject to AML/CTF, verification and these Terms. We may withhold funds where required by law or in cases of fraud, bonus abuse or other serious breach.

Limitation of Liability

Observe: This section explains our responsibilities and the limits of our liability.

Our Obligations

  • Fairness and integrity: We shall use reasonable care and skill to provide the Service, including implementing Games that use certified random number generators where applicable and complying with our Croatian licence conditions.
  • Accuracy of information: We aim to ensure that odds, Game rules and other information on the Website are accurate, but occasional errors may occur. In such cases, we may correct errors and adjust or void affected Bets.
  • Security: We will take reasonable technical and organisational measures to protect your data and funds, subject to limitations inherent in online systems.

Exclusions of Liability

  • Technical issues: We are not liable for any loss, costs or damages arising from technical failures, interruptions, delays, system maintenance, network problems or third-party service failures (including internet providers or payment providers), except where caused by our gross negligence or wilful misconduct.
  • Unauthorised use: We are not responsible for any Bet placed or activity undertaken using your Account credentials where you have failed to keep them secure or to notify us promptly of suspected misuse.
  • Indirect loss: To the maximum extent permitted by law, we are not liable for any indirect, consequential, incidental, special or punitive damages, including loss of profits, business, data or goodwill.

Liability Cap

  • Maximum compensation: Our total aggregate liability to you arising out of or in connection with the Service (whether in contract, tort, negligence or otherwise) is limited, in respect of any single incident or series of related incidents, to the greater of: (i) the amount of the Bet or stake giving rise to the claim; or (ii) the amount of your Real Money Balance at the time of the incident.
  • Mandatory rights: Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for fraud, fraudulent misrepresentation or death or personal injury caused by negligence.

Intellectual Property Rights

Observe: This section sets out how the content and software of Psk may be used.

  • Ownership: All intellectual property rights in and to the Website, the Psk interface, underlying software, databases, trademarks, logos, texts, graphics, audio-visual content and other materials are owned by the Operator or its licensors and are protected by copyright, trademark and other laws.
  • Limited licence: We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and Service solely for your personal, non-commercial entertainment purposes and strictly in accordance with these Terms.
  • Prohibited uses: You may not copy, reproduce, distribute, publish, modify, decompile, reverse engineer, disassemble, transmit or otherwise exploit any part of the Website or software, except to the extent expressly permitted by law that cannot be excluded.
  • No scraping or data mining: Automated access, scraping, data mining, or use of bots or scripts to interact with the Service is prohibited.
  • Third-party content: Trade marks, logos and content belonging to third parties remain the property of their respective owners and may be used only with their permission.

Privacy & Data Protection

Observe: This section briefly summarises how your personal data is handled and refers you to our detailed privacy policy.

  • Privacy policy: All processing of personal data collected via psk-uk.com and the Psk Service is carried out in accordance with our Privacy Policy, which forms part of these Terms. The applicable policy is published on our websites, including (as at the last update) at https://psk.hr/pomoc/privatnost (in Croatian) and/or any English-language version provided on psk-uk.com.
  • Data protection laws: We process personal data in line with applicable data protection laws, including the EU General Data Protection Regulation (GDPR) and, where applicable to Users in the UK, the UK GDPR and Data Protection Act 2018.
  • Cross-border transfers: Your data may be processed in Croatia and other locations where our group companies or service providers operate. Appropriate safeguards are used where required by law.
  • Your rights: Your rights (such as access, rectification, erasure, restriction, objection and data portability) are set out in the Privacy Policy. Details on how to exercise these rights and contact our data protection contact are provided in that policy.

Changes to Terms

Observe: This section explains how and when we may update these Terms and how we will notify you.

  • Right to amend: We may modify these Terms at any time to reflect changes in law, regulatory requirements, our operations, or for security and technical reasons.
  • Notification: Where we make material changes, we will use reasonable efforts to notify you in advance by one or more of the following: email (if available), on-site notifications, account messages, or prominent banners on psk-uk.com.
  • Effective date of changes: The updated Terms will specify an effective date. Continued use of the Service after that date constitutes your acceptance of the changes.
  • If you disagree: If you do not agree with any updated Terms, you must stop using the Service and may request Account closure and withdrawal of any available Real Money Balance, subject to these Terms and applicable law.

Termination & Suspension

Observe: This section sets out when and how your Account may be blocked or closed and what happens to your funds.

Termination by You

  • Account closure: You may request to close your Account at any time via the Website or by contacting customer support. We will process your request within a reasonable period.
  • Remaining funds: Upon closure, we will, where legally and practically possible, pay out your Real Money Balance in accordance with these Terms and subject to verification and AML/CTF checks.

Suspension and Termination by Us

  • Grounds for suspension/closure: We may suspend or close your Account, with or without prior notice, if we reasonably believe that:
    • you are under 18 or otherwise ineligible;
    • you are located in a prohibited jurisdiction or using circumvention tools (such as VPNs);
    • you have provided false or misleading information;
    • you have engaged in fraud, money laundering, bonus abuse, manipulation of Games or other unlawful or improper conduct; or
    • you have seriously or repeatedly breached these Terms.
  • Effect of suspension: During suspension, you may be unable to place Bets, participate in promotions or withdraw funds. We may conduct investigations and request further documentation.
  • Forfeiture: Where required by law or justified by serious breach (including fraud or criminal activity), we may void Bets, cancel Bonuses and confiscate funds, including winnings derived from prohibited conduct.

Notice and Refunds

  • Notice: Where legally required or reasonably practicable, we will notify you of the reason for suspension or closure and the outcome of any investigation.
  • Refund of funds: If your Account is closed for reasons other than serious breach, we will return your Real Money Balance, subject to AML/CTF checks and any legal or regulatory obligations.

Governing Law & Jurisdiction

Observe: This section describes which laws govern these Terms and how disputes can be resolved.

  • Governing law: These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of England and Wales, except to the extent that mandatory provisions of other laws (including Croatian law, as the primary gambling licence jurisdiction) apply.
  • Regulatory jurisdiction: The Operator's online gambling activities are licensed and supervised in the Republic of Croatia by the Ministry of Finance / Porezna uprava. The Operator does not hold a licence issued by the UK Gambling Commission, and disputes cannot be escalated to the UKGC or to UK ADR bodies such as IBAS.
  • Internal complaint process: If you have a complaint, you must first contact our customer support and provide full details. We will investigate and respond within a reasonable time frame, normally within 30 days.
  • External dispute resolution: If a dispute cannot be resolved internally, you may, where applicable under Croatian law, escalate it to the competent body or court in Croatia, such as the Općinski sud (Municipal Court), or pursue any other dispute-resolution avenues available to you under applicable law.
  • Court jurisdiction: Subject to any mandatory consumer protection rules, the courts of England and Wales shall have non-exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service, without prejudice to any jurisdiction of Croatian courts in respect of regulatory matters.

Contact Information

Observe: This section provides the main channels through which you can contact us.

  • Operator: Hattrick-PSK d.o.o., Sv. Leopolda Mandića 14, Dugopolje, Croatia.
  • Website: https://psk-uk.com (Psk Service).
  • Email (customer support): You can contact customer support via the email address or contact form published from time to time in the "Contact" or "Help" section of psk-uk.com. At the time of the last update, a dedicated support email address for the UK interface was not specified in the public regulatory data.
  • Mailing address (legal correspondence): Legal notices and correspondence should be sent to Hattrick-PSK d.o.o., Sv. Leopolda Mandića 14, Dugopolje, Croatia, marked for the attention of "Legal Department".
  • Telephone: If we provide a customer support telephone number, it will be published on psk-uk.com. As at the last update, no dedicated UK telephone contact number was specified in the available data.